Ellaby Pollard was established in 1979, operating as a firm of Independent Financial Advisers.

Since then we have enjoyed steady and continuous growth by meeting the needs of a variety of clients and remaining truly independent in both name and spirit. Ellaby Pollard has an enviable reputation for providing high quality...

As an advisory business providing whole of market independent advice to clients, we firstly need to gain a broad background of your financial circumstances and also understand your financial requirements and the type and complexity of financial advice that you might need. In order to do this we need to have an initial exploratory discussion with you...

Many people have goals and dreams, but a goal without a plan is just a wish... an achievable goal is a dream with a deadline...

Here's how we formulate the plan towards your goals: We meet together to discuss your personal circumstancesand your current financial situation. We'll go into detail so that we can draw up a complete picture of where...

Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future...

You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring...

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.

Inheritance tax (IHT) is perhaps not quite the ‘voluntary’ tax it was once considered. However, careful planning to ensure you take advantage of all the allowances and reliefs available could save your family a significant tax burden relatively easily.

We believe you should be able to spend time in your business doing what you do best. We know you can worry about company financial planning issues so, passing these concerns to us, enables us to use our skills to...

Owner managers and directors face very specific issues. No matter what stage you are at – just starting out...

Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added.

Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access...

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.

Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange...

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business...

It can provide the reassurance of financial protection for you, your family and your business associates.

Cash flow modelling, in its simplest form, is the process of assessing your current and forecasted wealth, along with inflows (income) and outflows (expenditure), to enable a picture to be created of your finances both now and in the future.

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With-profits

With-profits Policies

Policies that are with-profits give the insured the extra benefit of a possible bonus that is a share of the profits from the funds that the premiums have been invested in.

How and where the premiums are to be invested is worth establishing if you are going to invest in a with-profits product, such as single premium insurance bonds for example. But as with all long-term investments in the stock market or in interest bearing instruments it is important to stay with them for the long term. That way they have time to build up and "smooth" the short term ups and downs in rates of return. The with-profits endowment policy is also a means of regular long-term saving and has the potential for a good return, but there is no guarantee of the final (maturity) value of the policy.

Some policies may also benefit from terminal bonuses if they are held for their full term. When choosing insurance products for investment it is important to be aware of what charges, fees or commissions may be attached to them and when profits and bonuses are added to the policies. Some, for example, will be heavily weighted with charges at the beginning of their policy life.

Once any bonuses have been added, they cannot normally be taken away. Growth and bonuses cannot be usually guaranteed in advance but any bonuses will be added to your sum insured, bringing a possible investment return over the years of your life insurance policy.

With-profits bonds are usually another way of investing in with-profits funds by paying a single insurance premium.

Market Value Adjustments (MVA) - what are they and how do they affect With-Profit investments?

A Market Value Adjustment (MVA) is a way for the insurer to make sure that the amount of money paid out to an investor is a fair reflection of that investor's share of the with-profits fund, and any growth which has been achieved on the fund. The MVA is used to protect the remaining policyholders with units in that fund.

The adjustment is made via a penalty that may be applied if a customer takes units out of a with-profit fund other than on a pre-agreed date, to take account of investment market conditions at the time.

The operation of the MVA may mean that the value of your investment, if encashed early, could be less than the amount invested.

A MARKET VALUE ADJUSTMENT MIGHT APPLY ON ENCASHMENT. THE VALUE OF THIS POLICY DEPENDS ON HOW MUCH PROFIT THE COMPANY/FUND MAKES AND HOW THEY DECIDED TO DISTRIBUTE THAT PROFIT.

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THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

With-profits Policies

A with-profits policy is a type of investment fund.

Policies that are with-profits give the insured the extra benefit of a possible bonus that is a share of the profits from the funds that the premiums have been invested in.

How and where the premiums are to be invested is worth establishing if you are going to invest in a with-profits product, such as single premium insurance bonds for example. But as with all long-term investments in the stock market or in interest bearing instruments it is important to stay with them for the long term. That way they have time to build up and "smooth" the short term ups and downs in rates of return. The with-profits endowment policy is also a means of regular long-term saving and has the potential for a good return, but there is no guarantee of the final (maturity) value of the policy.

Some policies may also benefit from terminal bonuses if they are held for their full term. When choosing insurance products for investment it is important to be aware of what charges, fees or commissions may be attached to them and when profits and bonuses are added to the policies. Some, for example, will be heavily weighted with charges at the beginning of their policy life.

Once any bonuses have been added, they cannot normally be taken away. Growth and bonuses cannot be usually guaranteed in advance but any bonuses will be added to your sum insured, bringing a possible investment return over the years of your life insurance policy.

With-profits bonds are usually another way of investing in with-profits funds by paying a single insurance premium.

Market Value Adjustments (MVA) - what are they and how do they affect With-Profit investments?

A Market Value Adjustment (MVA) is a way for the insurer to make sure that the amount of money paid out to an investor is a fair reflection of that investor's share of the with-profits fund, and any growth which has been achieved on the fund. The MVA is used to protect the remaining policyholders with units in that fund.

The adjustment is made via a penalty that may be applied if a customer takes units out of a with-profit fund other than on a pre-agreed date, to take account of investment market conditions at the time.

The operation of the MVA may mean that the value of your investment, if encashed early, could be less than the amount invested.

A MARKET VALUE ADJUSTMENT MIGHT APPLY ON ENCASHMENT. THE VALUE OF THIS POLICY DEPENDS ON HOW MUCH PROFIT THE COMPANY/FUND MAKES AND HOW THEY DECIDED TO DISTRIBUTE THAT PROFIT.

INVESTMENT ENQUIRY FORM

Your Address

Investment Information

Marketing Information

Submit your Information

From time to time, we would like to contact you with details about our services, products, business updates and events. If you consent to us contacting you for this purpose please tick to say how you would like us to contact you:

How should we contact you?

Email

Telephone

Post

Yes please, I'd like to hear about offers and services.

No thanks, I don't want to hear about offers and services.

Please tick this box to confirm you have read and understood our privacy policy.

THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Related Topics

Client Testimonials

My wife and I have been clients of the firm for at least twenty five years. We have always valued the advice which we have been given and have appreciated the way financial matters have been carefully explained to us. At all times we have found them readily approachable.

Mr & Mrs D, Worcs

My first encounter with Ellaby-Pollard was back in the 1990's when we were grappling with the complexities of a "self-administered" company-based, pension scheme, alongside a whole range of employee schemes. I was impressed with the time and effort that Ellaby Pollard put into the work and the high level of support and dedication that went with it. As a result of this, I chose to move my personal pension scheme (SIPP) to EP and, more recently, all my other equity investments too, so that they would be managed under one roof.

Mr R, Cheltenham

I have been advised by Ellaby Pollard for many years now. At all times I have appreciated their professionalism and proactive help. Most of all, I have valued their ability to set out options and advice in clear and intelligible terms.

Mr P, Thames Valley

I have made use of Ellaby Pollard’s financial services for over 20 years now and have always found their advice to be helpful, factual and explained in a way that non-financial customers like me can understand. Their new website is another example of how they are trying to demystify the myriad of financial rules and regulations to provide fair and impartial advice to help me plan for a successful and financially secure retirement.

Mr L, Oxford

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Our Areas Of Expertise

Financial Planning

Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers, we can help you make informed decisions about your financial future; short, medium and long term.

Retirement Planning

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance, you need to provide yourself with a secure income for the rest of your life.

Corporate Planning

We believe you should be able to spend time in your business doing what you do best. We know you can worry about company financial planning issues so, passing these concerns to us, enables us to use our skills to assist you

Savings & Investments

Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added.

Protection

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

Taxation

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.

Cash Flow Modelling

Cash flow modelling, in its simplest form, is the process of assessing your current and forecasted wealth, along with inflows (income) and outflows (expenditure), to enable a picture to be created of your finances both now and in the future.